If this is your first visit, be sure to
check out the FAQ by clicking the
link above. You may have to register
before you can post: click the register link above to proceed. To start viewing messages,
select the forum that you want to visit from the selection below.

Re: Difficult time finding insurance

Check to see if ANPAC American National Property & Casualty offers policies in your state. Excellent rates including property, premises liability, products & completed operations liability, etc. Farm Bureau differs from one state to another. Here in Kansas, they had to write a special liability rider at minimum premium of $250 as bees & the prodcuts of the hive were a no-go for liabilty. My regular personal lines agent had to look for a special lines liabilty policy at $500 min. premium/year. ANPAC wrote the farm, home, and liability coverages for less $$ in a single package.

Re: Difficult time finding insurance

If your insurance is being sold to someone else they're tacking on a profit for their greedy selves for doing nothing. The more policies go to a single insurance agent the better price they can likely do.

Re: Difficult time finding insurance

I have a policy from Farm Burea for just my bee operation. However I feel that the state beekeepers associtations should provide a group insurance policy option to its members. And as an added benefit it could adjust rates or coverage options for master beekeeping certification levels.

Re: Difficult time finding insurance

I'm not sure about that.
Here is contact info for another one that called me after I went with Keystone.
Funny thing though, he was googling beekeepers looking for insurance, saw this thread and backtracked me through my website.

Re: Difficult time finding insurance

Originally Posted by JohnBeeMan

I have a policy from Farm Burea for just my bee operation. However I feel that the state beekeepers associtations should provide a group insurance policy option to its members. And as an added benefit it could adjust rates or coverage options for master beekeeping certification levels.

Sigh- In your dreams John! But what a good idea though. The VSBA is not even registered with the State as an organization as far as I know nor with the IRS - they just keep collecting dues and increasing the price of attending meetings. Many other organizations have such an insurance arrangement such as the American Wine Tasting Society for example. If you are a member then all are covered at your event for liability. There are also other models of this.

That being said- I found Farm Family to have the best policy- when combined with home owners insurance. less than $300 for 2 million liability. But technically it does not cover stings or sting injuries- covers liability related to honey, etc. and a few other things. Farmers Insurance even recommended them! Same exact thing as that outfit in Texas that advertises in the bee magazine but half the price and a local agent.